Adriatic Osiguranje DD (ZAG:JDOS) Debt-to-EBITDA : 0.62 (As of Sep. 2023)

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What is Adriatic Osiguranje DD Debt-to-EBITDA?

Adriatic Osiguranje DD ZAG:JDOS Debt-to-EBITDA is 0.62 as of Sep. 2023.

Debt-to-EBITDA measures a company's ability to pay off its debt.

Adriatic Osiguranje DD's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Sep. 2023 was €0.0 Mil. Adriatic Osiguranje DD's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Sep. 2023 was €3.3 Mil. Adriatic Osiguranje DD's annualized EBITDA for the quarter that ended in Sep. 2023 was €5.4 Mil. Adriatic Osiguranje DD's annualized Debt-to-EBITDA for the quarter that ended in Sep. 2023 was 0.62.

A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.

The historical rank and industry rank for Adriatic Osiguranje DD's Debt-to-EBITDA or its related term are showing as below:

ZAG:JDOS's Debt-to-EBITDA is not ranked *
in the Insurance industry.
Industry Median: 1.21
* Ranked among companies with meaningful Debt-to-EBITDA only.

Adriatic Osiguranje DD  (ZAG:JDOS) Debt-to-EBITDA Explanation

In the calculation of Debt-to-EBITDA, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by EBITDA. In some calculations, Total Liabilities is used to for calculation.

Be Aware

A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.

According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.

Adriatic Osiguranje DD Debt-to-EBITDA Related Terms

Adriatic Osiguranje DD Debt-to-EBITDA Historical Data

* Premium members only.

The historical data trend for Adriatic Osiguranje DD's Debt-to-EBITDA can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Adriatic Osiguranje DD Debt-to-EBITDA Chart

Adriatic Osiguranje DD Annual Data
Trend Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22
Debt-to-EBITDA
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.13 1.10 0.90 N/A N/A

Adriatic Osiguranje DD Quarterly Data
Dec18 Mar19 Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23
Debt-to-EBITDA Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 3.77 N/A N/A N/A 0.62

ZAG:JDOS vs HALL: Debt-to-EBITDA Comparison

For the Insurance - Property & Casualty subindustry, Adriatic Osiguranje DD's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Adriatic Osiguranje DD Debt-to-EBITDA vs Insurance Industry

For the Insurance industry and Financial Services sector, Adriatic Osiguranje DD's Debt-to-EBITDA distribution charts can be found below:

* The bar in red indicates where Adriatic Osiguranje DD's Debt-to-EBITDA falls into.


Adriatic Osiguranje DD Debt-to-EBITDA Calculation

Debt-to-EBITDA measures a company's ability to pay off its debt.

Adriatic Osiguranje DD's Debt-to-EBITDA for the fiscal year that ended in Dec. 2022 is calculated as

Debt-to-EBITDA=Total Debt / EBITDA
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / EBITDA
=(1.131 + 6.679) / N/A
=N/A

Adriatic Osiguranje DD's annualized Debt-to-EBITDA for the quarter that ended in Sep. 2023 is calculated as

Debt-to-EBITDA=Total Debt / EBITDA
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / EBITDA
=(0 + 3.348) / 5.42
=0.62

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data, the EBITDA data used here is four times the quarterly (Sep. 2023) EBITDA data.

Frequently Asked Questions Learn more about Debt-to-EBITDA →
What does a Debt-to-EBITDA of 0.62 mean?
Adriatic Osiguranje DD (ZAG:JDOS) has a Debt-to-EBITDA of 0.62 as of Sep. 2023. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Adriatic Osiguranje DD.
Is Adriatic Osiguranje DD's Debt-to-EBITDA too high?
Adriatic Osiguranje DD's current Debt-to-EBITDA is 0.62. The Insurance industry median Debt-to-EBITDA is 1.21. Adriatic Osiguranje DD's value of 0.62 is 48.8% below this industry median.
How does Adriatic Osiguranje DD's Debt-to-EBITDA compare to HALL?
Adriatic Osiguranje DD's Debt-to-EBITDA of 0.62 can be compared against companies in the Insurance industry. The industry median Debt-to-EBITDA is 1.21. Adriatic Osiguranje DD's value of 0.62 is 48.8% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for an Insurance company?
The median Debt-to-EBITDA among Insurance companies is 1.21, based on 320 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Adriatic Osiguranje DD's current Debt-to-EBITDA of 0.62 is 48.8% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Adriatic Osiguranje DD. For the Insurance industry, the median Debt-to-EBITDA is 1.21 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Adriatic Osiguranje DD's current Debt-to-EBITDA is 0.62. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Adriatic Osiguranje DD stock overvalued right now?
Adriatic Osiguranje DD (ZAG:JDOS) has a current Debt-to-EBITDA of 0.62. The current Debt-to-EBITDA is 0.62 and 48.8% below the Insurance industry median of 1.21. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Adriatic Osiguranje DD (ZAG:JDOS), the current Debt-to-EBITDA is 0.62 as of Sep. 2023. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Adriatic Osiguranje DD Business Description

Address Listopadska 2, Zagreb, HRV, 10000
Adriatic Osiguranje DD formerly Jadransko Osiguranje dd operates in the insurance industry in Croatia. The company offers property insurance and travel insurance. It specializes in Motor vehicle insurance.